How Insurers Categorize The Common Causes For Car Accidents

There are many different explanations for the fact that 2 or more vehicles happened to have collided on the road. Hence, those familiar with personal injury laws have chosen to categorize the most common causes for car accidents.

One category includes all those causes that have resulted from some type of error on the part of the driver.

A DUI, driving while intoxicated would have to top a listing of the causes in that particular category, as per Personal Injury Lawyer in Kitchener. Drivers that have chosen to drink and then get behind the wheel have committed one of the most serious errors possible. In fact, the legal system does not look kindly on those that fail to learn from their mistakes, and thus commit that egregious error a second or third time.

Distracted driving has joined the list of those errors that are most apt to cause a collision. The increased mention of distracted driving in present-day police reports reflects the public’s ready acceptance of cell phones, and their reluctance to silence them, while sitting behind a steering wheel.
The tendency to make poor decisions, usually due to lack of experience.

Since insurance companies recognize the correspondence between experience and good driving habits, the rates for younger drivers are higher.

A tendency to take risks: That is another error that gets displayed most frequently among those young teens that have just received a license.

Fatigued motorists: Both younger and older motorists have been known to keep driving, when their body was telling them to stop and rest.

The second category includes the external causes for car accidents.

The presence in an operated, motored vehicle of a broken part, such as a malfunctioning brake, a flat tire or a broken signal light. The fact that a person or animal has suddenly entered the road: Some roadways have a reduced speed limit, in order to limit the chances for such a situation to invite an accident’s occurrence. Yet that does not mean that pedestrians in the same area have a right to run into the street, especially as an automobile approach.

If a municipal or state government has failed to maintain a certain road to the degree necessary, then that could increase the chances for an accident to take place. For that reason, states and municipalities have a responsibility to fix any condition that is known to have caused a previous on-road incident.

By the same token, a road’s design could make it more likely that the vehicles using the same roadway might become involved in a collision, with another vehicle, or with a stationary object. In other words, poorly designed roads belong on a listing of the external causes for an incident that could be added to the list of auto accidents.